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Wealthy Way Group Ltd.
(3848)
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Rating:56Neutral
Price Target:
HK$2.50
▼(-77.70% Downside)
Action:Reiterated
Date:07/08/26
The score is held back mainly by extreme valuation risk (very high P/E). Financial performance is moderately supportive due to improving leverage and a recent cash-flow rebound, but weakened profitability and historical volatility limit confidence. Technicals are broadly neutral with an overbought stochastic reading adding caution.
Positive Factors
Improving leverage
Leverage has meaningfully declined, with debt-to-equity improving to ~0.22 in 2025. That stronger capital structure increases financial flexibility for a credit services firm, lowering refinancing risk and enabling continued lending, investment or buybacks over the medium term.
Negative Factors
Compressed profitability
Net margin fell to roughly 5–6% in 2024–2025 from stronger levels earlier, reducing the cushion against credit losses and cost shocks. Persistently lower margins limit retained earnings, constrain reinvestment and make earnings more sensitive to revenue volatility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
Leverage has meaningfully declined, with debt-to-equity improving to ~0.22 in 2025. That stronger capital structure increases financial flexibility for a credit services firm, lowering refinancing risk and enabling continued lending, investment or buybacks over the medium term.
Read all positive factors
Wealthy Way Group Ltd. (3848) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.63B
Dividend Yield0.29%
Average Volume (3M)486.37K
Price to Earnings (P/E)―
Beta (1Y)0.76
Revenue Growth-21.05%
EPS Growth-121.15%
CountryHK
Employees60
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding782,085,000
10 Day Avg. Volume581,900
30 Day Avg. Volume486,366
Financial Highlights & Ratios
PEG Ratio-94.35
Price to Book (P/B)2.68
Price to Sales (P/S)17.43
P/FCF Ratio27.77
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Wealthy Way Group Ltd. Business Overview & Revenue Model
Company Description
Wealthy Way Group Limited operates as an investment holding company, primarily focused on delivering a range of financial services across mainland China and Hong Kong. The firm provides financial leasing, factoring, and advisory solutions to both ...
Wealthy Way Group Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.25M | 107.45M | 60.37M | 74.71M | 106.39M |
| Gross Profit | 87.07M | 82.14M | 60.37M | 73.11M | 89.58M |
| EBITDA | 19.68M | 20.55M | 24.73M | 48.46M | 72.01M |
| Net Income | 5.42M | 5.61M | 23.17M | 24.11M | 30.58M |
Balance Sheet | |||||
| Total Assets | 761.71M | 803.15M | 784.68M | 729.55M | 796.09M |
| Cash, Cash Equivalents and Short-Term Investments | 30.65M | 33.35M | 26.34M | 49.56M | 83.67M |
| Total Debt | 130.96M | 174.35M | 167.52M | 123.48M | 196.49M |
| Total Liabilities | 174.91M | 221.76M | 210.98M | 175.17M | 255.03M |
| Stockholders Equity | 586.81M | 581.39M | 573.70M | 554.39M | 541.06M |
Cash Flow | |||||
| Free Cash Flow | 56.65M | 19.43M | -62.33M | 27.79M | 473.80M |
| Operating Cash Flow | 56.72M | 19.48M | -62.26M | 27.96M | 474.16M |
| Investing Cash Flow | -23.00K | 88.00K | 163.00K | 38.60M | 39.10M |
| Financing Cash Flow | -57.93M | -13.08M | 37.62M | -100.35M | -525.07M |
Wealthy Way Group Ltd. Technical Analysis
Negative
11.21
Price Trends
2.21
Negative
2.22
Negative
2.23
Negative
Market Momentum
-0.05
Positive
35.22
Neutral
29.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3848, the sentiment is Negative. The current price of 11.21 is above the 20-day moving average (MA) of 2.17, above the 50-day MA of 2.21, and above the 200-day MA of 2.23, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 35.22 is Neutral, neither overbought nor oversold. The STOCH value of 29.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3848.
Wealthy Way Group Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | HK$1.79B | 14.93 | 3.61% | 12.05% | 26.14% | 90.63% | |
56 Neutral | HK$1.63B | -693.91 | 1.36% | 0.29% | -21.05% | -121.15% | |
53 Neutral | HK$442.35M | -0.53 | -19.32% | 26.04% | -32.03% | -235.24% | |
52 Neutral | HK$2.04B | -54.23 | -226.07% | ― | 31.07% | -57.85% | |
37 Underperform | HK$643.84M | -3.20 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
HK:3848
Wealthy Way Group Ltd.
2.06
-0.25
-10.71%
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VCREDIT Holdings Limited
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176.54%
Wealthy Way Group Ltd. Corporate Events
Haosen Fintech Corrects EGM Date in Poll Results Notice
Jul 24, 2026
Haosen Fintech Group Limited issued a clarification stating that the previously announced poll results of its extraordinary general meeting contained a clerical error in the meeting date. The company confirmed that the correct date of the EGM was ...
Haosen Fintech Shareholders Unanimously Approve Major Share Subdivision
Jul 3, 2026
Haosen Fintech Group Limited reported that shareholders approved all resolutions at an extraordinary general meeting held on 3 July 2026, with voting conducted by poll. The key measure endorsed was a share subdivision that will increase the compan...
Haosen Fintech Calls EGM on Share Split and Expanded Incentive Mandate
Jun 16, 2026
Haosen Fintech Group Limited has called an extraordinary general meeting for 3 July 2026 in Hong Kong to seek shareholder approval for a proposed share subdivision. The plan would split each existing share with a par value of HK$0.01 into five sha...
Haosen Fintech Sets July EGM to Approve Share Subdivision and Defines Book Closure Timetable
Jun 12, 2026
Haosen Fintech Group Limited has scheduled an extraordinary general meeting on 3 July 2026 to seek shareholder approval for a proposed share subdivision, a move that could increase the number of shares in issue and potentially enhance stock liquid...
Haosen Fintech Confirms Independence of Re-Elected Director in Governance Update
Jun 1, 2026
Haosen Fintech Group Limited has issued a supplemental announcement regarding the re-election of Mr. Kam Wai Man as an independent non-executive director, following its earlier circular, AGM notice and poll results announcement. The board disclose...
Haosen Fintech Plans 5-for-1 Share Subdivision, Dividend Terms Unchanged
May 29, 2026
Haosen Fintech Group has proposed a subdivision of its shares, splitting each existing share of HK$0.01 par value into five shares of HK$0.002, leaving the board lot size unchanged at 1,000 shares. If approved by shareholders at an extraordinary g...
Haosen Fintech Wins Strong Shareholder Backing for Dividend, Auditor Reappointment and Capital Mandates
May 22, 2026
Haosen Fintech Group Limited reported that all resolutions at its annual general meeting on 22 May 2026 were approved by poll, with all directors present and no shareholder voting restrictions or abstentions, underscoring strong governance support...
Haosen Fintech Backs Re-Appointment of Moore CPA as Auditor with 2026 Fee Guidance
May 6, 2026
Haosen Fintech Group Limited has issued a supplemental announcement ahead of its 22 May 2026 annual general meeting, clarifying details on the proposed re-appointment of Moore CPA Limited as its auditor. The board, guided by the audit committee, h...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.